Cooking Directions:

Preheat oven to 375°F (190°C).

In a medium bowl, whisk together the graham cracker crumbs, flour and baking powder; set aside.

In a large mixing bowl, beat sweetened condensed milk and butter on medium-high speed until smooth. Stir in crumb mixture just until blended. Fold in raisins or chocolate chips (or both), coconut and walnuts, if using.